Sample Tri Merge Credit Report: Fill & Download for Free

This is just an idea I had when reading A. D. Davies’s answer. I edited this answer to include the end credits scene of Avengers 4 and 5.The mutants are “dead” in the world of the MCU. They died way back then, when Apocalypse was first defeated. Or at the very least, the mutant genes are “dead”, perhaps dormant.Nathaniel Essex, a famous geneticist, discovers a genetic pattern of genes in some healthy humans that apparently have no use at all. They are just there, but he can’t tell what for or why they exist, no one can. Intrigued by those genes, he starts dedicating himself to studying them, but unable to learn anything about them, he becomes obsessed. How could such an intelligent and successful scientist like himself, on the verge of a scientific breakthrough, fails to find out why those genes exist?He then starts looking at evolution and history, in an attempt to map those genes. Perhaps they are “leftovers” (I’m no scientist, so excuse me for any inconsistency in the details. The general idea should work, I think) from a physical characteristic humanity doesn’t need anymore? The answer had to be in the past.All said and done, after exhausting the more plausible and scientific ways of verifying the use of those mysterious genes, he turns to mythology, eventually uncovering ancient scriptures and coming across tales of extraordinary individuals, capable of extraordinary feats. The ancients called these individuals gods or offsprings of divine entities, but Essex developed the idea that perhaps these beings were the natural evolution of mankind, halted by, he finds out, an acient cataclyism, maybe a war, that wiped out all of these extraordinary beings.Now there are two possible ways to move forward:Essex finds out about Apocalypse, “the first Mutant”, and finds a way to wake him up, having gained the means to do so either by himself or as a result of the Infinity War. Apocalypse then wakes up the genes of all dormant mutants in the world, and rewards Essex with the mutation himself. Essex becomes Mr. Sinister.Something DURING the Inifity War wakes up the genes of all dormant mutants, and Essex is frustrated that he himself isn’t a mutant (he knows the mutants are rising again because of mutants looking for help, wanting to know what is happening to them, and geneticists from all over the world being called upon to try and answer the mutant’s concerns). He then finds out about Apocalypse, and recognizing his power, starts trying to bring him back, thinking that he perhaps would reward Essex for bringing the first mutant back. He eventually does and rewards Essex with mutation, and Essex becomes Mr. Sinister.I prefer number 2, because it gives time to develop characters like Xavier and for him to found the school. It establishes the mutants before establishing Apocalypse, if we go with number one, than Apocalypse would be at his full power BEFORE the mutants could organize themselves behind different factions (the main one being the heroes, of course, the X-Men). From now own I’ll be considering number 2 my “canon” idea.So all of this should happen slowly, perhaps first in a post-credits scene (the introduction of Essex) and then in a movie introducing the concept of mutants. Avengers 5, perhaps, with Magneto or some other really powerful mutant going evil after discovering his/her potential and the Avengers having to stop that mutant. This would allow for both the viewers and the heroes we are already familiar with discovering about the mutants together, at the same time, allowing long explanations without feeling out of place in-world and even more Essex scenes (either in after credits scenes or during the movie). The mutant would eventually be arrested, in a facility designed for him specifically (I really think Magneto would be perfect as the big bad in this movie).Edit I: Ok, so I thought about how the end credit scene that introduces us to Essex and the idea of mutants should be and I also thought about the end credits scene of Avengers 5.Avengers 4 after credits scene:A man is standing in a room, with his back to the camera/viewer. In front of him there is a TV turned on the news, and the newslady is saying: “Reports of uncommon conditions afflicting citizens all over the world are leaving governments and the people around the world troubled about the possibility of an alien disease that might have arrived on Earth as a result of the recent alien invaders, who have just recently been defeated in what is already being called humanity’s darkest moment”Show some unfocused scenes of mutated people on the TV. The focus of the camera is on the man watching it, his fists are clenched by his sides.Expand the scene and show a secretary walking in.“Doctor Essex, the CDC is on the phone. They are hoping you could analyze some samples of…”“I feel nothing”.“Sorry, sir?”“I feel nothing. Nothing is different. I am… Normal”“That’s… great. It means you’re not sick”Essex half-turns, with a stern expression.“Sickness? Is that how you call… evolution?”End of Avengers 4 after credits scene.Avengers 5 after credits scene: Perhaps there should be something before, but it should end like this…The scene shows Essex kneeling in a dark place, it looks like a catacomb and the camera is focusing on his face. His eyes are closed and he is trembling, sweating. A hand touches him, and something changes, he grasps for air, and when he opens his eyes, he smiles. He doesn’t tremble anymore. A deep, strong voice utters:“Rise now, as an equal to gods…”End of Avengers 5 after credits scene.After that, we would have our first X-Men movie (they wouldn’t be called the “X-Men” from the start, only in the end of that movie. And the Avengers, represented in one character - a leader, like Captain American and Iron Man are now - would help them get settled and would help them against the villain). That movie would focus on the school and trying to show society that not all mutants are evil like (insert villain of Avengers 5) and the villain would be Mr. Sinister (Essex), although I’m not sure about his motivations, other than that he would already be working for Apocalypse. Perhaps he is trying to stop the mutants from following Xavier and his “corrupted” views of humanity, trying to stop an “alliance” between mutants and regular humans?This first X-Men movie also sets up Apocalypse as a villain to use in the future of the franchise. As a good villain in a good story, not something like the rushed garbage we got with that 2016 movie.Feel free to check my grammar (English is not my mother language) and make suggestions to improve the story!

There may not be much questions on the subject especially on mathematics, chemistry or physics.There may be questions on the following subjects:CommerceEconomicsHistoryComputer scienceIt has to be noted that the interview is conducted by only retired bank executives and the following will be their main focus when it comes to questions:BankingEconomicsCapital marketCurrent affairsRecent budgetPersonalities who are in the news recentlyRecent happenings in the field of banking, politics and money mattersPlease read the following for better guidance:Tips for Interview for recruitment as Probationary Officers in banksInstructions to candidatesThe purpose of the interview:The purpose of any interview is to select one suitable individual for the concerned post. The person to be interviewed may be having higher qualifications; however, he may not be having the requisite potentials or caliber in handling the job offered namely; better communication ability, leadership quality, emotional strength and efficient interpersonal relationship. Banking demands people who are willing to work hard by mingling with customers freely and friendly apart from maintaining a cordial; social and friendly relationship with the colleagues and superiors.Phases of the interview:The interview is conducted in four phases namely;·the first phase during the course of which questions are asked about the individual and his specialization in any area;·the second phase wherein questions are asked about the bank for which the interview is conducted;·the third phase wherein questions are asked about general banking, economy, finance and latest developments and·the fourth phase is the final round for the interview.The interview committee:The interview committee consists of three to five imminent personalities who are well versed in banking matters and normally the services of executives or retired executives of various commercial banks are utilized for the purpose of conducting the interview. The following system is adopted by the committee members during the course of interview process:·While one member poses questions to the candidate, the remaining members observe the body language of the individual as to how he reacts to the questions and especially in respect of difficult questions;·They also review as to how the candidate comes forward in presenting his answers in a crisp manner thereby providing the relevant points expected by the committee members at the shortest possible time.·Basing upon the answering ability, communication ability, level of confidence, willingness to accept challenges etc., the committee members select the individuals by awarding better gradation.·When the candidate is found to be inattentive on account of low level of self confidence or some other factors, the committee members pose provoking questions so that the candidate is emotionally provoked and aroused to come forward with appropriate answers.The interview process:The interview process consists of the following stages:·Attendance marking by the candidate at the reception committee and filling up the relevant format thereby furnishing his details;·Verification of the certificates namely; qualification certificates, experience certificates, certificates relating to extracurricular activities etc., by the reception committee/team members;·Candidate waiting at the reception hall for his turn;·Once called, candidate entering into the interview room duly seeking permission of the team members;·Candidate thanking the interview members for permitting him/her inside the cabin;·Candidate sitting on the seat once offered by one/more members in the interview committee;·Candidate thanking the person who had offered the seat;·Candidate shaking his hands with the members, if offered;·Candidate eagerly awaiting for the questions from the members;·Candidate mentally preparing himself to attend the interview with full concentration maintaining regular eye contact with the committee members;·Candidate answering the questions posed by the members enthusiastically, till the entire process is treated as completed;·Candidate collecting all certificates and documents once the interview is treated as completed;·Candidate thanking the committee members and·Candidate politely raising from the chair, walking towards the entrance, opening the cabin door and gently closing the door behind him;·Candidate meeting other candidates awaiting at the reception hall cheerfully.Dress code:·Dress code is most important aspect and a person is judged by the dress he wears. Dress makes half man.·For men: Please wear a neat full length trouser and one full length shirt – preferably white or light shaded; Usage of “T” shirts greatly dampens the image of the candidate and the purpose of using any ‘T” shirt is to have better comfort during the course of walking, relaxing, jogging, running, partying and relaxing. As such “T” shirts are not considered to be a fit wear during professional meetings including interviews. Do not wear highly dark colored and checked dresses. The candidate has to wear a good quality shoes neatly polished. If possible he can wear a “tie” and this is purely optional and certain organizations pay more attention to the personality of an individual which gets improved by way of better dressing.·For girls: Under any circumstances girls should not wear provoking dresses namely; “T” shirts, jeans pants, trousers, half gowns and shirts with messages and blouses with low cuts. A neat chudithar is considered to be the best option and wearing of sarees improves the image of the individual.A.Questions during the first phase:·Initially the candidates are invited to tell about their personal life and interests, their family members, their ambitions, their qualifications, their achievements in studies, sports, music and any other extracurricular activities;·The second question is about the place to which the candidate belongs. In case the candidate belongs to Chennai, he will be asked to tell about Chennai and the importance of the place. Necessarily the candidate should have a thorough knowledge about the place from which he is hailing;·The interviewers will pose “ice breaking questions” in order to shift the focus of the candidate. This is for the purpose of finding out the reaction of the candidate during such “focus change”. (Banks demand people who are able to face any challenges);·During the first two to three minutes, more than 80 percent of the questions will be on the personal details and basic information about the candidate. It has to be remembered that – “The first impression is the best impression” and accordingly the candidate has to behave politely, calmly, courageously and confidently.Sample questions during the first phase:·01. My dear friend, now tell us about yourself: The candidate has to inform in a crisp manner about himself, his family, his qualifications, achievements if any etc. Unnecessary details should be avoided altogether and the candidates at no cost should provide information to the committee members with an intention to derive sympathy from the committee members. Such an attitude will prompt the members either to reject or award poor marks.·02. I see – you are from Chennai – please tell me about Chennai: Since the candidate belongs to Chennai, he is invited to tell about Chennai and he should have pre-hand information about Chennai and should come forward to tell about important places in Chennai namely; Marina beach, High Court, Kabaleeswarar Temple, Metro train facilities, Santhome church, International airport, Asia’s biggest bus station at Koyembedu and many more.·03. I find that you had studied in Presidency college. What was the reason for your preference of this college?. How was your life in the college? The candidate has to tell about the college; the achievements of the college in academic scenario as well as in sports and in other areas;·04. I find that you had studied “EEE” - why you had chosen the course? The candidate has to tell about the purpose and the potential available for the students who had opted to pursue EEE course.·05. You are in Chennai for a long period. What is your opinion about Chennai?·06. You are having “EEE” in engineering and why you are willing to get employed in banks? (Your reply should be – In fact by working in a bank, I can develop my relationship with public in a better manner; improve my knowledge and provide better service to as many people as possible since the banks are purely service oriented organisations. I find that I can have more career prospects in future by getting employed in the banks)·07. What are your strengths and weaknesses? – Your answer should be: I am always willing to work hard under all circumstances and since I have a good communication ability, I hope that I can surely develop friendship with my colleagues, clients and others in a fast manner so that I can contribute better to the society.·08. You are a highly qualified person having one MBA degree apart from a degree in Engineering. What is the guarantee that you will be in the bank without shifting your attention to some other employment potential after some time?: Your reply should not be: On account of unemployment problem, I am joining the bank; Your reply should be – even though I have better qualifications, I wish to work in the banking industry because I can have better opportunities to serve for the welfare of the society by working in the bank than any other organisations.Responsibilities of the candidates appearing for the interview:The candidate should do a home work and he should always depend upon his positive straits namely; his strength, achievements and abilities and necessarily he should believe in himself that he can accept and do the job in a better manner and he should altogether avoid any negative reply or angry reply under any circumstances; even when provoked or tempted by the interview board members and the candidate should remain calm and wear a broad smile during the entire interview process.A smile has the power to keep the individual in better spirits at all times.The following question may provoke the candidate –·Dear friend, considering your personality, I find that you look like a film actor. How do you feel yourself ?(You had not at all expected this question and you are tempted to provide an apt reply to them: Your reply should be– In fact I am fond of wearing a neat dress and I take care of my health by doing physical exercises regularly apart from eating moderate food and getting into the bed at the appropriate time. I always believe in the following proverb – “Health is wealth”. An individual may not be in a position to discharge his duties properly without adequate health. The habit of eating quality food, regular exercise and better dressing are the factors which are responsible for my personality.B.Second phase of the interview process:During this phase, questions will be asked about the bank for which the candidate is appearing for the interview and the following are some sample questions in case the candidate is appearing for a post in Punjab National Bank:·Do you know – where is the head office of Punjab National Bank?·Who is the present chairman of the bank?·How many branches are there in Punjab National Bank as on date?·Can you tell me about the total business of the bank?·Can you tell me about some deposit schemes available in the bank?·What do you know about the logo of Punjab National Bank?·What is the punchline of Punjab National Bank?·What is the position of Punjab National Bank among the commercial banks in the country as on date?(It is the responsibility of the candidate to collect the necessary information about the bank for which he is appearing for the interview by visiting the website of the bank and referring other material sources in order to get the required information about the bank namely; the headquarters, number of branches, total business, profit position, important schemes, tie up with another banks, achievements of the bank, if any; the present position and ranking of the bank in terms of business, profitability, non performing assets, productivity of the employee etc., In case the candidate is appearing for a group of banks, he should have information in general about all the banks in the group)C.Third phase of the interview:During this phase, questions will be asked on general banking practices as mentioned below:The following are the questions regarding the banks in general:·Have you visited any bank branch? What was your experience?·What is the business of any bank?·What are the essential/primary functions of any bank?·What are the secondary functions of any bank?·Who can open a savings bank account?·What do you know by KYC guidelines?·Why banks insist customers in adhering to KYC guidelines?·What is the difference between Current deposit account and Savings deposit account?·What do you mean by CASA account?·Who normally opens a current account?·What do you know by a fixed deposit account?·Can a company open a savings account?·Can the director of a company open a savings account?·Who is the controlling authority for the banks in India?·What is a foreign bank?·What is meant by a public sector bank?·Which is the largest private sector bank in the country?·Which is the largest bank in the country?·You are working as an officer in savings department. The customer complains about the irritating behavior of the clerk who is working under your supervision. What will you do in this situation?·Your manager delegates some work and you are failing in doing the work within the allotted time and your manager is not happy with your performance. How will you convince your manager?·Today there is some news about annual credit policy. What do you know by that?·What do you know by reverse repo rate?·What is called as inflation?·What is rupee convertibility?·What do you know by gross domestic product?·What do you know by ASBA?·What do you know by Sensex?·What do you know by a convertible debenture?·What is an initial public offer?·What do you know by facebook – whether it is good or bad for any individual and what is your opinion?·What are the advantages and disadvantages of Whatsapp?·What is your opinion about currency demonetization and how far the process helps in improving the economy of the country?(The above questions are illustrative and not exhaustive and the candidate should know fairly well about many banking as well as general aspects)D.The fourth phase of the interview:Like the initial phase or first phase, this fourth phase is also important wherein tricky questions will be asked as mentioned below:·You are hailing from Coimbatore. In case you are posted to Chennai whether you will be willing to work at Chennai?. (Your answer: If I am posted at Coimbatore, I shall try my level best to bring more business to the bank since I know the place and people well and I can take care of family members who are dependent on me. Even otherwise, I shall discharge my duties to the best when I am posted at Chennai)·Suddenly on account of computer crash, you have to sit late – whether you will be willing to sit late and finish the job or leave early without informing your superiors? (Definitely I will never mind in sitting late and I shall always cooperate with my superiors in finishing the day to day functions of the branch. I am one among the team members and I have the responsibility to cooperate with other members during critical situations)·What information are you willing to tell about yourself? (If I am selected, I shall work hard and I shall discharge my duties to the entire satisfaction of my superiors. I shall always do the best from my side for the growth of my organization.)Selected Interview QuestiomsCandidate: 00101.Why you are willing to join in a bank?I am willing to join in a bank since I hope that I may be having more opportunities to serve the public. Banks have better career opportunities by means of periodical promotions to higher cadre.02.What do you mean by appraisal of gold loans?Gold loans are granted against the security of gold jewellery namely gold chains, necklaces etc., The jewellery apart from gold contains certain amount of copper and stones. Appraiser is a person well versed in the art of appraising the jewellery and on appraisal of the jewellery, he will be finding out the approximate gold content so that the bank may be able to provide loans against the gold content.03.What are the different kinds of term deposits available in a commercial bank?The different kinds of term deposits available in a commercial bank are – fixed deposit, recurring deposit and reinvestment deposit. In the case of fixed deposit, a fixed amount is accepted for a definite period and interest is paid on quarterly basis. In the case of reinvestment deposit which is similar to fixed deposit, interest is paid on maturity since interest is reinvested. In the case of recurring deposit, monthly instalments are accepted for a fixed period.04.What is the minimum period for which a fixed deposit is accepted and the maximum period for which a fixed deposit is accepted?The minimum period for which fixed deposit is accepted is seven days and the maximum period is ten years.05.Whether a fixed deposit can be accepted for a period more than ten years?In the case of deposits in the names of minors on account of settlement of claims, the deposit can be for more than ten years06.What do you mean by FERA?FERA means foreign exchange regulations act and it came into effect from the year 1973. An act to regulate certain payments dealing in foreign exchange, securities, the import & export of currency and acquisition of immovable property by foreigners. Under Section 31 (1) of the Foreign Exchange Regulation Act ( FERA) of 1973, it is mandatory for foreign corporations, which are not incorporated in India to obtain permission from the Reserve Bank Of India (RBI) to acquire, hold, transfer or dispose off in any manner (expect by way of lease for a period not exceeding five years) any immovable property in India.07.What do you mean by ECS?ECS means electronic clearing service and the customer can authorize on periodical basis to make payment of certain utility bills like electricity charges, water charges etc., by debiting his account till such time he submits a revocation letter. Similarly, he can authorize corporate to credit the dividends on shares and interest on debentures as and when due to the credit of his account with the bank.08.What is the minimum amount that can be sent through RTGS?The minimum amount that can be sent through RTGS is Rupees two lakhs and there is no maximum limit09.What is the maximum amount that can be remitted through NEFT?There is no or maximum limit for remittances sent through NEFT10.What is the maximum amount that can be sent abroad by any resident individual?Under liberalized remittance scheme, all resident individuals including minors are allowed to freely remit an amount upto US dollars 250000 (or its equivalent freely convertible foreign currency) per financial year11..What is the name of apex bank which is responsible for the development of agriculture in the country?NABARD is the apex bank which is responsible for the development of agriculture in the country.12.What are the different kinds of schemes available in our country aiming towards poverty alleviation?National old age pension scheme; Jawahar Gramin Samruddi Yojana; National Family Benefit scheme; Mahatma Gandhi National Rural Employment Guarantee Scheme; National Maternal Benefit Schemel Annapurna etc.,13.What do you mean by crossing of any cheque?Writing of two parallel transverse lines drawn on the face of the cheque on top left hand corner with or without any words between the lines is known as crossing and it is for the purpose of making payment of the cheque through an account in the name of the payee or holder.14.What are the different kinds of crossing?Two parallel transverse lines drawn on the face of the cheque on top left hand corner of the cheque with any words or without any words is known as general crossing and the the payment can be made to the account of the payee or holder with any bank. In case the name of any bank is mentioned within the two parallel lines, it is known as special crossing and in this case, the payment should be made to the account of the payee or holder with the bank mentioned in the crossing only and not to any other bank.15.What do you mean by CASA?CASA means current and savings and this is applicable to computerized branches linked under core banking solution16.Whose signature is available in Rs. 100/- currency note?The signature of RBI governor is available in Rs. 100 currency note17.What do you know by dividend?Dividend is the return available in the form of money for the investments made by the shareholders in the equity shares and preference shares of any company.18.Bank holidays are declared according to which act?Holidays for banks are declared according to Negotiable Instruments act 1881 by the respective state governments in their states. However, all Sundays, all second and fourth Saturdays have been declared as holidays apart from the holidays permitted for religious and national ceremonies.19.Banks are functioning according to which act?Commercial banks in the country are functioning according to Banking Regulation act 1949 and to some extent as per Reserve Bank of India act 193420.RBI is functioning in the country as per which act?Reserve Bank of India is functioning according to Reserve Bank of India act 1934.Candidate: 00201.What do you mean by a guarantee?Guarantee is an undertaking executed by one person called as guarantor in favour of another person called as beneficiary expressing his intention to make payment in the event of failure of the principal debtor on payment of a debt or failure to perform any contract within the stipulated time or according to the terms of the contract.02.What are the different types of guarantees?The different types of guarantees are financial guarantee, performance guarantee and deferred payment guarantee03.What do you mean by letter of credit?Letter of credit is an undertaking executed by one banker on behalf of its customer to honour bills and documents drawn by another person as per the terms and conditions as mentioned in the letter of credit04.What do you know by packing credit advance?It is the preshipment advance granted by one bank to the exporter for the purpose of procuring raw materials; payment of various duties like customs duty, excise duty; packing charges; shipment charges etc.,05.What do you mean by special crossing?In case the name of any bank is mentioned within the two parallel lines, it is known as special crossing and in this case, the payment should be made to the account of the payee or holder with the bank mentioned in the crossing only and not to any other bank.06.What do you know by IFSC code ?IFSC means Indian Financial System Code and this is one alphanumeric code consisting of eleven digits of which the four alphabetic digits represent the name of the bank mentioned in abridged form and the next zero is known as control number and the last six numeric digits represent the branch code of the bank.07.Which is called as mother of deposits?Savings deposit is known as mother of deposits. Normally the first time customers will be advised to open savings deposits with the bank branch before availing any other facility with the bank08.Who is a called as natural guardian?Bother mother and father are known as natural guardian for the purpose of opening accounts in the name of minors represented by the guardian.09.Whether grandfathers and grandmothers can be natural guardians?Grand fathers, grandmothers grand grandfathers or grand grandmothers cannot represent as natural guardians on be behalf of the minors10.Which type of credit facility is available to a farmer for raising crops?For raising crops, the farmers are provided with crop loans, Kisan Credit Cards etc.,11.What do you mean by NULM?National Urban Livelihoods Mission (NULM) was launched by the Ministry of Housing and Urban Poverty Alleviation (MHUPA), Government of India in 24th September, 2013 by replacing the existing Swarna Jayanti Shahari Rozgar Yojana (SJSRY).The NULM will focus on organizing urban poor in their strong grassroots level institutions, creating opportunities for skill development leading to market-based employment and helping them to set up self-employment venture by ensuring easy access to credit. The Mission is aimed at providing shelter equipped with essential services to the urban homeless in a phased manner. In addition, the Mission would also address livelihood concerns of the urban street vendors12.What do you mean by Gram Sadak Yojana?The Pradhan Mantri Gram Sadak Yojana called as PMGSY was launched by the Government of India for the purpose of providing connectivity to unconnected habitations as part of a poverty reduction strategy. Government of India is endeavouring to set high and uniform technical and management standards and facilitating policy development and planning at state level in order to ensure sustainable management of the rural roads network.13.What are the salient features of MGNREGA?MGNREGA is known as Mahatma Gandhi National Rural Employment Guarantee act and according to this employment is guaranteed at least one person per household in rural areas. It aims at enhancing the livelihood security of people living in rural areas by guaranteeing hundred days of wage employment during each financial year to a rural household whose adult members volunteers to undertake unskilled manual work14.Which authority is supervising the functions of insurance companies?IRDA – Insurance Regulatory and Development Authority is the authority responsible for supervising the functions of insurance companies in our country15.What is meant by IPO?IPO means initial public offer and this is the first time public offer of equity shares, preference shares or debentures to the public for subscription16.What is meant by ASBA?ASBA means applications supported by blocked amount. Nowadays investors are permitted to remit the amount through ASBA demand drafts drawn in ASBA accounts for the purpose of subscribing shares or debentures through initial public offer and further public offer. When the demand draft is issued, instead of debiting the amount in the account, the amount is blocked till such time the shares or debentures are allotted. On allotment, the entire amount is debited; in the case of partial allotment, the amount is debited equivalent to the value of allotment and in the case of non allotment, the entire amount is allowed for further use. For the intervening period, the depositor earns interest as applicable to the category of deposits.17.What is meant by Performance guarantee issued by any commercial bank?In the case of contracts in favour of governments, the contractors are in a position to provide a bank guarantee by a reputed commercial bank, thereby undertaking to guarantee the government department to compensate the loss on account of failure of performance of the contract by the contractor within the due date or failure to perform the contract as per the terms and conditions of the contract. This is known as performance guarantee.18.What do you mean by packing credit facility issued by any commercial bank?Packing guarantee is known as preshipment advance provided by the commercial bank to the exporter for the purpose of procuring raw materials, packing materials or making payment towards customers duty, excise duty, transportation charges etc.,19.What do you mean by notice money?Notice money is money borrowed for a period of two days and more and upto fourteen days in the call money market.20.Treasury bills are issued by which authority and what are the different kinds of treasury bills available in the country?Treasury bills are issued by central government and state governments for the purpose of mobilizing funds from the public and others towards meeting the cost of various projects. There are three kinds of treasury bills as at present namely – 91 days, 182 days and 364 days. 91 days treasury bills are issued each Friday and the notified amount is Rupees one hundred crores. 182 day treasury bills are issued during alternative Wednesdays which is non reporting week and the notified amount is Rupees 100 crores and 364 days treasury bills are issued on alterntive Wednesdays which is a reporting week and the notified amount is Rupees 500 crores.Candidate: 00301.What do you know by PIN number?PIN number is four digit number expressed in numerical characters. PIN number is used for the transactions done using debit cards and credit cards through automated teller machines and point of sale terminals.02.What do you know by PAN number?PAN number is known as permanent account number. This is used for the purpose of remittance of income tax with income tax department. Tax payers should get one PAN number by sending an application along with relevant documents and by payment of specified sum of money to Income tax department or their agencies. It is ten digit number consisting and alphapetical and numerical characters.03.What are the functions of DICGC?DICGC means Deposit Insurance and Credit Guarantee Corporation and this corporation provides deposit insurance upto an amount of Rupees one lakh per depositor per bank in the event of insolvency of the bank and it also provides small loans guarantee upto certain limits04.What is the role played by ECGC?ECGC provides guarantee support to the exporters of the country in the form of several export guarantees05.Mention the Regional Rural Banks which are functioning in Tamilnadu?The Regional rural banks which are functioning in Tamilnadu are Pandiyan Grama Bank and Pallavan Gramin Bank. Pandiyan Grama Bank has been sponsored by Indian Overseas Bank and pallavan Gramin Bank has been sponsored by Indian bank.06.What do you mean by Mergers and what are the different kinds of mergers?When two independent units merge together to form a single unit, it is known as merger. The mergers can be vertical merger, horizontal merger, reverse merger, consolidation, amalgamation etc.,07.What do you mean by horizontal merger and reverse merger?When the business functions of two units are identical in nature and when the merger takes place between those units, it is known as horizontal merger. New Bank of India merged with Punjab National Bank and both are banking organizations. Industrial Credit and Investment Corporation of India Limited was instrumental in establishing ICICI bank as per LPG norms and subsequently Industrial Credit and Investment Corporation Limited merged with ICICI Bank and when a parent unit gets merged with an ancillary unit, it is known as reverse merger.08.Which are the top two private sector banks in our country?The top private sector banks in our country are HDFC bank limited and ICICI bank limited09.Whether housing loan is a priority sector advance and if so, upto what amount?Housing loans granted are treated as priority sector advances subject to certain conditions. Loans to individuals up to Rupees 28 lakh in metropolitan centres (with population of ten lakh and above) and loans up to Rupees 20 lakh in other centres for purchase/construction of a dwelling unit per family, are eligible to be considered as priority sector provided the overall cost of the dwelling unit in the metropolitan centre and at other centres does not exceed Rupees 35 lakh and Rupees 25 lakh, respectively. Housing loans to banks’ own employees are not eligible for classification under priority sector.10.Whether educational loan is a priority sector advance?Loans to individuals for educational purposes including vocational courses upto Rupees 10 lakh irrespective of the sanctioned amount are eligible for classification under priority sector.11.What do you mean by micro, small and medium enterprises?The classification is based on original investment in plant and machinery: For micro enterprises, upto Rs. 25 lakhs for manufacturing units and Rupees 10 lakhs for service units; For small enterprises, for manufacturing units above Rupees 25 lakhs and upto Rs. 5 crores and for service units above Rupees 10 lakhs and upto Rupees 2 crores; For medium enterprises, for manufacturing units above Rupees 5 crores and upto 10 crores and for service units above Rupees 2 crores and upto Rupees five crores12.What do you mean by KYC and name any two important documents which are obtained as per KYC?KYC means know your customer guidelines and these guidelines were prescribed by RBI for new customers who are willing to open accounts with commercial banks and according to KYC, any new customer who is willing to open accounts with commercial banks should submit the photocopy of anyone of the following namely; driving licence, voter id card, AADHAARA card, passport as address proof and photocopy of anyone of the following namely; driving licence, voter id card, AADHAAR card, passport, pancard as identity proof. KYC is antimony laundering device.13.What is the present repo rate and reverse repo rate?The present repo rate is 6.25% and reverse repo rate is 5.75%14.In the case of MICR code, the middle three digits represent what?MICR code consists of nine numerical digits and the middle three numerical digits represent bank name15.PAN number consists of how many alpha characters?PAN number consists of ten digits. The first three alpha characters are random alphapetical characters between AAA to ZZZ; next one alpha character represents the category of the cardholder; the next one alpha character represents the first character of the name of the cardholder; the next four numerical digits are auto generated sequential numbers and the last one single alpha character is a check digit.16.What do you know by biometric automated teller machines?In the case of automated teller machines, the four digit numerical PIN number is used for performing transactions using debit card and credit card. In the case of biometric automated teller machines, instead of PIN numbers, anyone of the following body parts is used – left hand thumb impression; eye retina and voice recognition. In India, the left hand thumb impression is the accepted mode and these kinds of automated teller machines are known as green label automated teller machines.17.What is the criteria by which a bank is considered as largest bank?For the purpose of ranking, a bank is considered to be largest or smallest taking into consideration the business position of the bank; namely – the total deposits and total advances as at the end of March each year.18.What do you mean by commercial paper?Commercial papers are issued by well rated organizations for mobilizing funds from the public and other corporate. They are issued at a discount and they are freely negotiable by endorsement and delivery. The minimum maturity period is seven days and the corporate should have earned credit rating equivalent to P2 issued by CRISIL19.What do you mean by FCNR?FCNR means foreign currency non resident accounts. Non resident Indians and Persons of Indian origin are eligible to invest in this deposit. It is a term deposit accepted in the currencies – US dollar, Sterling Pound, Euro, Japanese Yen, Canadian dollar and Australian dollar. The minimum period of deposit is one year and the maximum period is five years and the deposit is held in foreign currencies and the interest earned is free from income tax.20.What do you mean by Escheat?He is a person who dies without leaving any legal heirs and in this case, his estate will revert to the state government.Candidate: 00401.What do you mean by money laundering?Using the banking channel for the purpose of bringing illegal money is known as money laundering.02.What do you mean by subprime lending?Mass lending by commercial banks to the borrowers without ascertaining the credit worthiness of the borrowers03.What is meant by LPG and who is responsible for introduction of LPG strategy in our country?LPG means liberalization, privatization and globalization and this was coined by Dr. Manmohan Singh, the then finance minister of our country. The salient highlights of the Liberalisation, Privatisation and Globalisation Policy in India are: Foreign Technology Agreements; Foreign Investment; MRTP Act, 1969 (Amended); Industrial Licensing; Deregulation Beginning of privatization; Opportunities for overseas trade; Steps to regulate inflation; Tax reforms; Abolition of License -Permit Raj04.What do you mean by PURA?PURA means providing urban amenities in rural areas. This concept was coined by Dr. A.P.J. Abdul Kalam, the then president of India.05.What do you know by current ratio?It is one equation between current assets and current liabilities. This ratio provides the liquidity position of the organization. When the ratio is more than one it is known as positive current ratio and the unit is having sufficient working capital and when it is less than one, the unit is found to have more current liabilities than current assets and the liquidity position is found to be very weak.06.What do you know about negotiable instruments act?In India, the negotiable instruments act was passed during 1881 which came into force with effect from March 01, 1882. Negotiable instruments means and include promissory note, bills of exchange and cheque payable to order or bearer. Promissory note, bill of exchange, cheque and demand draft are negotiable instruments.07.What do you know by MICR?MICR means magnetic ink character recognition. MICR code is available in MICR bank at the bottom of the cheque or demand draft. It consists of nine numerical digits of which the first three digits represent the centre/city; the middle three digits represent the bank and the last three digits represent the branch of the bank.08.When it comes to rural lending, which are all considered to be priority sector advances?When it comes to rural lending, the loans granted to the following are considered to be priority sector advances – Loans granted to all agriculture related activities; self help group; Differential rate of interest; Loans to SC/ST beneficiaries; Loans provided to doctors for setting up clinics in rural areas; Loans to dealers in fertilizers and pesticides; loans to dealers of springler irrigation and drip irrigation equipments etc.,09.Who is called as an authorized dealer?Authorised dealer is at present known as authorized person. Authorised person is an individual or organization permitted to deal in foreign exchange business in the country.10.What do you know by financial inclusion?Financial inclusion means the following: Providing formal banking services to poor people in urban and rural areas; Promoting the habit of money savings, insurance, pension-investment among poor people; Helping the people in getting loans at reasonable rates from commercial banks so that they do not become victims to local moneylenders11.What are the important initiatives taken through financial inclusion in the country?The following are the important initiatives taken through financial inclusion in our country: Lead banking scheme; No frill accounts; Basic savings bank deposit accounts; JANDHAN accounts; business correspondent and business facilitator facilities; Swabhiman campaign;12.What do you mean by MCLR?MCLR replaces the base rate system. RBI introduced the system with effect from 01.04.2016 in order to determine the base rate by commercial to improve the efficiency of monetary policy transmission. All rupee loans sanctioned and credit limits renewed with effect from 01.04.2016 to be priced with reference to MCLR and it will be an internal benchmark for the banks. It consists of marginal cost of funds, negative carry on account of CRR, operating costs and tenor premium. The marginal cost of funds consists of two components namely; marginal cost of borrowings and return on networth13.What are the major money market instruments?Certificate of deposits; Commercial paper; Inter Bank participation certificates; iner bank term money; Treasury bills; Bills rediscounting and call/notice money14.What are the differences between NEFT and RTGS?Both are two categories of online remittance facilities through CBS enabled branches of commercial banks. The minimum balance that can be sent through RTGS is Rupees two lakhs whereas in the case of NEFT, there is no such limit. The beneficiary gets his funds at real time and it means instantaneously without any loss of time. In the case of the beneficiary gets his funds in between batches15.Who is deciding the rate of interest for savings deposit accounts?Rate of interest for savings deposits is decided by respective commercial banks only and RBI has permitted full freedom in this connection.16.Who cannot open savings deposit accounts?Proprietorship concerns, partnership firms, limited liability partnership firms, private limited companies and public limited companies are not permitted to open savings accounts17.What is meant by memorandum of association?Memorandum of association is the parent document for any company whether it is a private limited company or private limited company. It contains the details of formation of the company, policies, objectives, registered office and more.18.What is known as power of attorney?Power of attorney is an authorization given by one person called as principal in favour of another person called as an agent authorizing the agent to perform certain activities on behalf of the principal and it can be specific power of attorney or particular power of attorney.19.In which currencies FCNR accounts can be opened in our country?FCNR account can be opened in the following currencies namely; US dollars, Sterling Pounds; Euro; Japanese Yen; Australian dollars and Canadian dollars.20.What are the differences between NRE and FCNR?NRE and FCNR accounts are opened by non resident Indians and Persons of Indian Origin in India. NRE accounts are to be opened in rupees whereas FCNR is opened in foreign currencies. NRE accounts can be opened in the form of savings account, current account, reinvestment deposit and fixed deposit whereas, FCNR account is permitted to be opened as fixed deposit or reinvestment deposit. NRE term deposits can be opened for a minimum period of seven days and maximum period of ten years. FCNR accounts can be opened for a minimum period of one year and maximum period of five years.Candidate: 00501.What do you mean by masala bonds?Masala bonds are the bonds issued for rupee denominated borrowings by Indian companies in overseas markets02.What do you mean by secondary market in our country?Secondary market pertains to capital market and it is also known as stock exchange or old issues market. Shares, debentures and bonds can be bought and sold from the stock exchange through registered brokers.03.What do you mean by fund based limits and non fund based limits?The loans provided to the borrowers in the form of term loans, overdrafts, cash credits and bills discounting limits are known as fund based limits since funds are released to the borrowers. Guarantees and letter of credits are non fund based limits since no funds are provided for the time being since they are contingent liabilities.04.What do you mean by off balance sheet items?Guarantees, letter of credits and bills sent for collection for which proceeds are yet to be realized are known as off balance sheet items05.What do you mean by closed ended scheme?This is one form of mutual fund scheme. Like initial public offer, the scheme is open for a certain period only and after which the public cannot invest their amount in the units under this scheme.06.What do you mean by open ended scheme?This is one mutual fund scheme and the units under scheme can be purchased and sold at any time07.What do you mean by overdraft facility granted by a bank?Overdraft is a facility granted by the banks towards meeting the working capital requirements of a borrower. This is provided by means of credit limit over and above the current account balance and the borrower has to pay the interest as and when due.08.What do you mean by collateral security?Collateral security is an additional security provided by the borrower in addition to the primary security. For example, in the case of vehicle loan, the car purchased out of loan is known as the prime security and the insurance policy obtained by the bank from the borrower for the sanction of this loan is known as collateral security.09.In regard to educating a customer, what are the different kinds of information boards displayed in a bank branch?The following boards are available in the bank branches – Working hours and business hours; Interest rates on various deposits; Interest rates for loans; Service charges; Time norms for various services; Details of schemes available in the branch10.Who is the present RBI Governor?The present governor of RBI is Shri Urjit Patel and he is functioning as the governor of RBI since 04th September, 201611.What do you mean by unclaimed deposits?The deposits which are not in operation for more than ten years are known as unclaimed deposits. For the purpose of this classification, the customer induced transactions are only taken into account.12.How many regional centres are available for RBI in the country?Reserve Bank of India has four regional centres at the following places – Chennai, Kolkatta, New Delhi and Mumbai.13.What do you mean by white label automated teller machines?The automated teller machines which are maintained and managed by non bank entities are known as white label automated teller machines. In our country TATA Indicash and Muthoot finance are having such machines installed at various centres.14.What are the advantages of CTS?CTS means cheque truncation scheme. This is used for clearing purpose. Normally commercial banks used to send the physical cheques through their15.What do you mean by certificate of deposits?Certificate of deposits are issued by scheduled commercial banks (except Regional Rural Banks) and all financial institutions within their umbrella limits. Individuals, corporate, companies, trusts, funds and associations can invest in certificate of deposits and they are issued for a minimum period of seven days and maximum period of twelve months in the case of commercial banks and in the case of financial institutions the minimum period is one year and maximum three years, Minimum amount for investment is Rupees one lakh and in multiples of Rupees one lakh.16.RBI is called by which names – mention four names?RBI is called by the following names – banker to banker; lender of the last resort; custodian of banks; banker to government;17.What do you mean by ways and means advances?Ways and means advances were introduced as per an agreement between Reserve Bank of India and Government and they are temporary overdraft facilities provided by RBI to central government and state governments and the purpose is to bridge the time interval of mismatch the government expenditure and receipts. The duration of the limit is ten days for central government and 14 days for state government departments.18.Who is banking ombudsman and by whom he is appointed?Banking Ombudsman is an arbitrary authority who resolves the complaints received from the customers of commercial banks in regard to bank related issues.19.What do you mean by EEFC account?Exchange Earner’s Foreign Currency account is an account maintained in an account maintained in foreign currency with an authorized dealer ; i/e/ a bank dealing in foreign exchange. Professionals, exporters, trainers etc., who are in receipt of foreign exchange for the services extended by them in foreign countries can invest the amount in EEFC account and the account will be in the form of current account and no interest is paid for the balance held in EEFC account.20.What do you know by NBFC?NBFC means non banking finance companies. It is a company registered under Indian Companies act 1956 and presently 2013 engaged in the business of providing loans and advances, acquisition of shares/stocks/bonds/debentures/securities issued by Government or local authority or other marketable securities of a like nature, leasing, hire purchase, insurance business, chit fund business etc.,Candidate: 00601.What do you mean by arbitrage?It is the process of purchase of one security from one market and selling the same security for earning a profit at the same time at another market.02.What do you mean by Bonus shares?It is the free allotment of shares in certain proportion to the existing shares held by the shareholders of a company and this is a means of providing reward to the investors for their contribution to the growth of the organization by capital investment03.What do you mean by Bull?It is a term given to a speculator on stock exchange who buys the securities in expectation of a rise in the prices. The market is called as bullish when there is a domination of buyers over the sellers04.What is known as dematerialization?Dematerialisation is the process by which shares in the physical form are cancelled and they are issued in electronic form. The certificates are known as demat shares. This process eliminates the time and manpower involved in transfer and registration of shares from the seller to the buyer05.What do you mean by moorat trading?It is the auspicious trading on a special day, say Diwali during some specified hours.06.What do you mean by rights issue?It is the issue of new shares to the existing shareholders in a fixed ratio to those already held at a price which is generally below the market price of the old shares.07.What do you mean by futures?It is a standard contract issued on an agreement to buy or sell an asset at a certain price at a certain time in future. It is an obligation on the buyer to purchase the underlying instrument and the seller to sell it.08.What do you mean by forward?The forward is a contract that is traded off the stock exchange and it is self regulatory and has certain flexibility unlike future which are traded at stock exchange only and it do not have flexibility of quantity and quality of commodity to be delivered and these are regulated by Securities Exchange Board of India, Reserve Bank of India or other agencies.09.What do you mean by factoring?Factoring is an arrangement in which short term domestic receivables on sale of goods or services are sold to a company called as factor and this scheme came into existence during 1991 based on the report of Kalyanasundaram Committee10.What do you mean by forfeiting?Forfaiting represents the purchase of obligations, which fall due at some future date and arise from the delivery of goods in export transactions, without recourse to the previous holder of the obligations.11.What do you mean by leasing?A lease is a contract where the owner of the assets transfers the right to another person to use the assets against the payment of fixed lease rentals. In the case of one lease contract, there are two parties namely – the lessor or the owner and the lessee or user. The lessor remains owner and the leased property remains with the possession of the lessee.12.What do you mean by debt market?It is a market wherein the debt instruments are issued to the public by any company for investment and such debt instrument bears a fixed interest rate payable half yearly on specific dates and principal amount repayable on particular date on redemption. Debentures are normally secured/charged against the asset of the company in favour of debenture holder. The following are some debt instruments – debenture; bond; zero coupon bond; convertible bond; security receipts etc.,13.What do you mean by greenshoe option?It is an option provided by Securities and Exchange Board of India to a company which is coming out with one initial public offer to the public. By this option, the company can retain certain portion of the applications received through IPO in case of oversubscription.14.What do you mean by equity market?Equity market consists of investment by the public in different kinds of shares issued by the company and by subscribing for the shares, the investors are expressing their willingness to stand as owners of the company. The equity market consists of equity shares, preference shares, rights shares, bonus shares etc.,15.What do you mean by sweat equity?Directors and employees contribute intellectual property rights to the company in the form of providing technical know-how captured by way of research or contributed by way of strategy software developed for the company or adding profit and economic value. To compensate the directors and employees, the concept of sweat equity has come into existence.16.What do you mean by participatory notes?A participatory note is a financial derivative instrument issued against an underlying security and it allows the holder, to get dividend or capital gains earned from the underlying security although some of the holders may not be eligible to trade in stock markets in India.17.What do you mean by book building?Book building is the process to assess the demand for a particular public issue of various prices, based on which the issue is priced and sold to the investors.18.What do you mean by sensex?It is a stock market index provided by Bombay Stock Exchange for the information of the investors. The positive or negative variation in the index provides an insight for investment or dis-investment to the general public and especially the investors in the stock market. It is based on the market capitalization of top thirty shares earmarked by BSE19.What do you mean by Nifty?It is a stock market index provided by National Stock Exchange for the information of the investors. The positive or negative variation in the index provides an insight for the investment or dis-investment to the general public and especially the investors who are participating in stock market trading. It is based on the market capitalization of top fifty shares earmarked by NSE20.What do you mean by swap?A swap is a contract that binds two counterparties to exchange the different streams of payments over the specified period at specified rate.

I was working in CID and was pretty much in the (largely non-existent, except when it suits colleagues and bosses) role of “senior detective”, in the department, despite having two colleagues who had undergone the same training as me (minus the Child Protection courses) and a Detective Sergeant, who kept snatching interesting courses (as in training courses - not “cases” as had been suggested in edits. He definitely didn’t want anywhere near the cases!) out from under my nose, as he “needed oversight of things” (preparing for the next step up, in reality) - and despite the fact that due to the calls and cases, which he and the other two kept punting to me, those courses would have been to my benefit and the benefit of those victims I dealt with.My wife, meantime, was working in a specialised role, under the aegis of the CID, dealing with overseeing all cases relating to Child Protection. She pioneered the role, wrote a paper on why it would benefit the area command (based upon her previous experience on a long-term secondment to the Force Child Protection Unit, at headquarters) and submitted it to the then boss, and he bit. Great idea, she was told. She started three months prior to being accepted into post, without ever really knowing about it (what I mean is, they decided she was already doing the job). She checked and rechecked every existing file to do with CP work, archived and live, and ensured that they all met the requirements of the Inspectorate, which was going around the country, dip-sampling cases, in different Force areas, at the time - just in case. It took her 18 months, and in that time she fell pregnant (unexpectedly, but happily). She had almost finished the work, and had only some tidying up to do - stapling and punching documents, which she had obtained from partner agencies, which had previously been missed, then they were to be files in the right files.Meantime, another female uniformed officer, with a background in basic child protection, and who we had both known in her first station (Aviemore), was transferring up to Shetland, onto a uniformed shift, having returned from her own first maternity leave, with her hubby, also a cop. He had worked with one of my brothers (whose judgement I now have cause to question) who called me and basically said he had volunteered me to help them out in settling into Shetland, any way I could, if I was “happy to do so”? This put me in the position of being a dick, if I said no, and I thought it wouldn’t hurt. I told Amanda about their moving up to Shetland and she messaged the female cop - who for the purpose of this story I shall call The Treacherous She-Snake. Amanda suggested to her that, as she was coming into the shift she had been allocated on a part-time basis, only, to begin with, perhaps she could help Amanda out and put off going into the streets until she was happier to do so and life at home with a wean had adjusted? Yes, The Treacherous She-Snake would be “more than happy to help”. Meanwhile, I visited potential properties they were interested in, sought out others and took numerous photos of all of them, inside and out, submitting them to the couple for their attention, with my own observations. I must have viewed six, at least and ruled out at least a dozen more, as unsuitable (never a word of thanks…).So Amanda went to the boss and suggested to him that TTSS would come into her office, part-time, and assist her with getting ready for the inspection, as the inspectors had announced by this time that they were, indeed, coming up to Shetland. She did so, with his blessing, and she carried out the bits and bobs of punching, stapling and filing while Amanda continued to screen every single file for omissions, mistakes and missing papers, and ready them all for the inspection. Having completed her side of the task, Amanda was suffering from pre-eclampsia, by this time, and had to be rushed down to Aberdeen for a few days, to be checked over by the gynaecologist there. He sent her home, with orders to rest and return to work in a week or so. Meantime, the inspectors had arrived on the islands.Now - my apologies, but this being The Police, a further bit of background is essential, as this Sorry take involves not one, but three twisted so-and-so’s, who came together in a collective “perfect storm” of backstabbery and maliciousness as has rarely been glimpsed outside your average stage on the ill-fated unlamented Jeremy Kyle Show - or the House of Commons (all three of the aforementioned being particularly fruitful breeding grounds for the sort of twisted f**kwittery and horrendously self-serving conduct that would have made Rudolf Hess weep into his bowl of Spandau sauerkraut).The uniformed inspector at this particular moment in time was an horrendous example of cadet policing gone wrong. She had joined as a child and matured into a full-blown gorgon, an outright harridan, desperate to make everyone fear her and so she behaved more masculinely and abusively - particularly verbally - than any male officer I have ever worked with (and I’ve worked with transferrees from Strathclyde! - Eh, Malky? ;) ). Every sentence directed at a junior officer contained personal insults, effing and blinding, and often my own personal kryptonite - the dreaded four letter “c” word (rhymes with hunt) - vile from the mouth of a male and seemingly all the more so from the twisted maw of a (alleged) female.While the two of us (she and I) had been working on separate shifts in Inverness, me as a uniform cop, and Baba Yaga, as I called her (long before John “f*cking pencil” Wick!), as a temporary Inspector, four years previously, our paths crossed, she and I. She was a Hindsight Hero - that is to say one of those types who had never been able to do The Job themselves, but who would, instead, peruse the previous 24 hours incidents and look for incidents she felt should have been dealt with “better”. Then she would add actions to incidents, even unfiling them, where other inspectors had filed them as complete. I had received a call, involving an old man who accidentally set fire to his house, a semi-detached. He had Parkinson’s and fairly advanced dementia and had been out of hospital for a day when he tried to light his pipe and dropped the match onto papers next to his curtains. When I arrived, at the locus, his front room was well ablaze, with smoke chimneying up the stairs - thick black smoke, the kind that kills quickly. He was standing in the living room, not moving. I tasked my probationer to get the neighbours out, heard that Fire Brigade were stuck in traffic and were at least ten minutes away and so I kicked his front door in. I got him out, into the garden and he told me his wife was “upstairs sleeping”. I looked up the stairs and thought “shit!” My probationer saw my face and begged me not to, but I went back in anyway. I found bath sheets in the hall airing cupboard, and soaked them in the kitchen sink, telling myself if I ran upstairs quickly enough, I could do this. I could do this!I got to the top step and quickly realised that, no, I likely could not. I went to my knees almost immediately, hacking and coughing, feeling the heat all around me drying out the sheet in seconds, burning my bare forearms beneath the now crispy Egyptian cotton towel. But that old lady was sleeping in her bed…. I literally crawled from room to room, searching over my head by hand, keeping my mouth to that diminishing air gap, just above the floor, but I found no one on any of the thre beds upstairs. I knew if I stayed any longer I wasn’t going home that night, or maybe ever again. I stumbled and fell back downstairs, finally realising what people meant when they spoke of “little sparkly things” in your vision, when hypoxic, and ended up in the arms of a fireman, who helped me outside and gave me oxygen to suck on for a few delicious minutes, interspersed by coughing up the lining of my lungs and what appeared to be chunks of tarmacadam, due to the preponderance of soot in my airways.I looked at the old fella and sorrowfully told him I hadn’t found his wife, when the neighbours overheard me. They came over and imparted the news that his wife had died three years earlier and he hadn’t been the same since, tapping their temples. I looked at the old man, while standing next to the Fire Master, also a trained Fire Investigator. We saw him try and light his pipe again, with trembling hands, only to miss and drop the lit match. The Fire Master smiled at me and said “There is your cause of fire, Iain.” (we knew one another of old). He wrote it up, I contacted Social Work and with the aid of a decent inspector on my shift, we had the old boy in a residential care home by the time he left hospital, the next day. I went back to work, with my head hair and beard a good deal shorter, and minus any hairs on my arms, due to the heat, and was later told by my inspector that he had already filed the incident and had had a call from the fire master, had spoken to my probationer and the neighbours, and was putting me in for a commendation - which I later received.Now, the purpose of all this is background, remember? Baba Yaga came on shift, after days off, saw this incident and decided (and you’ll love this, Malky) that the old man “hadn’t been interviewed under formal caution on suspicion of wilful fire raising and reckless endangerment”, “no Force fire investigator had been called or had attended” and my submission that “the Fire Brigade investigator had ruled on it” was “evidentially meaningless”. She unfiled the incident and added those actions, then told her bosses at the command briefing, that she had addressed a few incidents of “sloppiness”, on the previous days’ shifts, my own among them.I read her comments and thought, “WTF?” I spoke to my inspector and he assured me I had done all that was required, she was full of nonsense and he would sort it out. To be certain, I contacted our Force fire investigator (we had only one, at the time) and asked him about the Fire Brigade investigator. “He is plenty competent,” he assured me, “I hope so anyway, as he trained and certified me!” Armed with this, I updated the incident and left it to my boss to file it. Baba Yaga unfiled it. Rather than speaking to him, she came on shift early, with no tie or epaulettes, neck of her shirt undone, and her nicotine-stained lips and teeth drawn back and ready for battle (her fingers were similarly stained, as she rolled her own unfiltered, and smoked like a chimney). She approached me in an open plan office populated by two shifts, then in the process of changing over, my own being the officers going off duty.“Right, you lazy bastard,…” began her opening sally at me, and it got worse from there on in. I told her politely and respectfully (even calling her “ma’am”, which she appeared to hate) that my inspector had filed it twice, so perhaps she had best talk it through with him? I also passed on about the Fire Brigade investigator, or own Force fire investigator and his credentials, and finished with a repeated, “With respect, ma’am, shouldn’t this be a conversation you have with my inspector?” Her response was to screw her face up into a fairly hideous mask and yell at me, “Don’t you ‘with respect’ me, you cheeky f*cking c*nt, when I f*cking tell you to do something you’ll f*ckjng well do it or I’ll make you wish you had never been f*cking born, you c*nt! Understand me?!” I stood upright, beckoned over my probationer and informed her in my best “street voice” that I had been nothing but respectful toward her, despite the fact she wasn’t my inspector and wasn’t even on duty yet, and that if she swore at me one more time - “one more time”, I repeated - then I would arrest her for a Breach of the Peace. She told me I couldn’t do that, thunderstruck by my change in demeanour. Rather than being cowed by her, I had grown in height and adopted a more quietly forceful attitude than even her own. She could not process this….I assured her that whether I could or not was open to debate. What was not open to debate was that I WOULD. Her behaviour was more than competent to prefer a charge against her, were we on the street. “I won’t put up with it from them (pointing out the window) so what makes you think I will put up with it from you?” She opened her mouth and I said, as loudly and clearly as I could without shouting (years of dramatic practice in school plays and musicals helped!) “Do you understand me??”I then suggested to her that she had a ways to fall and that her pips were temporary, while I couldn’t fall any further. I had nothing to lose. I counselled her to “take a big step back, here, and consider your position.” She looked around and every pair of eyes was fixed on us, the entire area silent and agog. She wheeled and rushed out the door to the bathrooms. My shift then began to clap and cheer, as I thought, “Shit shit shit!” And my probationer said, “Holy f*cking shit, Sooty, you could at least have warned me you were going to go all ‘Stone Cold’ (Steve Austin) on her! I’m shitting myself, man!” Laughter ensued, which died when she suddenly returned and insisted on apologising in private. I told her that she had abused me in public, so she could apologise there also, if it was genuine. She ground her teeth, apologised and offered me her hand.My weakness? Decency, I suppose. I shook her hand, accepted her apology and that was that. I subsequently declined to make a formal complaint against her, when one of the sergeants who had been present (neither of whom had attempted to intervene) sent a Chief Inspector my way looking to have her pips taken off of her. That isn’t how I worked then, or now. (Now, her remains would never be found. Ever…. Kiddiiiiiing. Honest.)But then, four years into my stint in CID, several hundred miles away, in Shetland, who transferred up as uniform inspector? Yup. Baba Yaga. My sergeant had been in Inverness at the time and had heard the stories. I warned him anyway.To her credit, she never bothered me, other than to remark to my supervisor that I had “an issue with authority” (“Not that I’ve ever seen”, he replied) and she grumped at me, one day, that no one had done what I had done to her, in 30 years in The Job. I ignored the comment, as I didn’t want pulled into a slanging match. It was in the past, I told myself.How wrong I was.Because NOT to her credit, she went out of her way to damage my wife’s career. She took to TTSS like bread takes to butter. Like minds, I suppose.So while Amanda was off, resting, with her pre-eclampsia, Baba Yaga presented TTSS to the Inspectorate, during their trip, as the officer who had “taken such great care over all the files”, when they commended the area command on the high standard of work shown. They said TTSS was “a credit to the Force”, and “a great resource”, and this went straight into her appraisal folder, from Baba Yaga. Of my wife, not a single mention was made by either one of them. Sadly, the area Commander was also absent that week, as his knee had been badly damaged - a recurrence of a serious injury - and would eventually see him retired on ill health (the last decent boss I ever worked for, now the Convener of Shetland Islands Council).Amanda was distraught and felt betrayed. TTSS portrayed it as though she hadn’t realised she had been given all the credit. Amanda went off on maternity leave a couple of weeks later and TTSS strolled onto her post, to keep her seat warm, while she was off.When the time came for her to come back, the new Area Commander - an ineffectual lazy milksop and chronic lickspittle - called her in to his office. He had “bad news” for her. Despite the fact that the role was hers, and she was still formally on maternity leave, he was “changing the role somewhat”. This meant he was keeping TTSS in place, and that Amanda was going back onto shift.We were stunned. Surely he couldn’t do this? We sought out the Federation rep - a marginally-better-than-useless-but-not-much, toothless type, who talked a great game, but was, himself, holding down a post by dint of being mates with the previous holder (who just happens to be my brother-in-law). Eventually, after seeking advice from brother-in-law, Fed Rep comes back and assures Amanda “they can’t do this, not while you are on maternity leave - even in the Police - the job is yours”.However, the Divisional Commander (twisted soul #3 in our sorry tale of woe) - a malevolent, malicious little shit of a man - had already advertised the role, so “Oops! We will have to take it to interview, now, anyway!” “Oh no you don’t!” said Brother in Law, to Div Com, when I told him of this. Finally, the impasse was breached. Amanda was told she and TTSS were the only two in for the role, which had also merged in management of sex offenders (which had formerly been part of my role, as well as catching and reporting them, with Amanda assisting me in said management), and which Amanda actually already had all the training in, while TTSS had none! “Surely she scored more than XXXX on the required criteria?” Brother-in-Law demanded. “Oops! We didn’t apply any criteria! Our bad! Tell you what,” (and this next was word for word) “if Amanda turns up to the interview and answers the questions, which are on her role anyway, the post is hers, no question!” “Okay,” agreed the Fed Rep, as Brother-in-Law was off to Edinburgh, higher up in the Police Federation, by this time.So Amanda went for interview….. and came home crying. “It was awful,” she said, “They asked a ton of stuff that I wasn’t expecting, some of which isn’t even about Scots Law, but the content of ‘Megan’s Law’ (the American legislation)”. Wow. I thought. Oh no. “Who did the interview?” I asked. “The Divisional Commander came up to do it, with Inspector ******** from Headquarters.” Hmmmmmmm…..Then…. Rrrrrring. “Hi, Amanda, really sorry to tell you you didn’t get your job. Sorry about that.” Click brrrrrr.She was devastated. TTSS had scooped the post. She and Baba Yaga had won the day. Baba Yaga couldn’t attack me, as I didn’t report to her. Instead, she came at my wife and made her life a misery, because she simply couldn’t accept that she had been wrong to behave as she had, those years before. Playground bullies are like that.So rather than deal with her or TTSS face to face, Amanda went into her office, late one evening - or what had been her office, prior to her maternity leave, and found all her stuff had been cleared away. She searched the various desk drawers and found it all, stuffed at the bottom of the drawer, but then stopped, dead. Pulled up short by what she saw, lying in the top drawer of an open desk, face up.It was the list of interview questions, typed out, with details of where to look for the answers and points to concentrate on, all written in unfamiliar handwriting. She copied them all and got in touch with the Fed Rep. but he wasn’t much interested. So I spoke to my Brother in-Law, and he contacted the Divisional Commander, to say what had been found. “That’s impossible! I chose all those questions, myself, at random from the pool, only the day before the interview. She must be mistaken… or lying!” “No, because she has copies of the questions and someone’s handwritten notes on what answers to give.” Silence. Then “I’ll look into this.”Brother-in-Law got in touch and relayed this on to us, stressing the most interesting point. The Divisional Commander had stated he selected the questions personally, just 24 hours before the interviews. So “somebody” had obtained all these and given them - and the notes - to TTSS, to study for, in that short window of time? Hardly likely…. There would be handwriting to compare, was the best news, though. After all that is how police investigate matters of fraud and deception. Surely…?Meantime, Amanda was told she was going on shift, regardless, and TTSS was going into the role she had cheated her way into. Brother-in-Law dropped the entire affair into a chat, with the then-head of Professional Standards (one of the few decent types we have had, and who loathed the Divisional Commander). But Div Com heard about this, and “carried out his own enquiries”, when he became aware of PSC taking an interest.We heard that a Detective Sergeant, who TTSS had “worked with” (she actually had an affair with him, which hubby had discovered - hence their move North - one of many she was supposed to have had with colleagues and supervisors, during her time in The Job; some people feel a need to do so, to get on, it seems) had taken the fall for the questions and the handwritten answers. He had been innocently trying to help a friend and this was accepted by the Div Com, who reprimanded him. Then promoted him, because he was “an honest sort”. Because he has copped to the questions, no one ever checked the handwriting. No one ever explained to us just how the Det Sgt had obtained the exact questions, which the Div Com had stated he had selected personally, only 24 hours before the interviews. Some questions are only answered when you are above a certain rank, it seems.Meantime, TTSS was investigated by Professional Standards. They found she had reams of answers to probationer exams, as well as other Force examinations, tests and assessments, as well as the Force driving exam (written section) and she had been busily distributing this to probationers, and other officers, over several years, incurring favours, which could be collected upon later on. Several probationer officers - at least eight - were binned as unfit for service, following the investigation, due to their use of such dishonest means to pass examinations and tests. What of TTSS? She transferred back south, cuckolded hubby in tow, and was given “a verbal warning” by the Divisional Commander. Within a matter of months, he had her acting up as sergeant and then, at the first opportunity he gave her full sergeant stripes, making her up to Detective Sergeant, doing what she would have been doing in Amanda’s role, as a PC, in Shetland.The kicker? I was later assured, by a senior figure in the Crown Office, that it was common knowledge that TTSS and the Divisional Commander had (allegedly) had an affair, when he was a lowly Det Sgt working alongside her, years previously (spotted a pattern yet?).The twist of the knife? The Divisional Commander fabricated a tale, involving some information I had passed to my inspector, which identified a previously unknown source for a breach of confidentiality, locally. Div Com and his lackey decided I had “protected” the source, who I had never met, by not naming him in my operational statement (I didn’t know his name when I wrote it, but had him named to me, later, by my own sergeant, who knew the family. The Div Com also took issue with the fact I had discussed the matter with Amanda, while she was on maternity leave (as I said, she managed sex offenders with me, so knew all the players), ignoring the fact that the other members of my department had all discussed it with their wives, none of whom were or ever had been serving Police Officers, and he later reported us both to the Area Fiscal, on the most tenuous (fabricated) grounds he could, rather than handing the matter over to Professional Standards (who were mightily pissed off - and intrigued - by these machinations of his). Once again - and within days of the ill-fated interview, right after Amanda had told the Fed Rep about the evidence she found (which might well have implicated him) - the Div Com had “satisfied himself” that there was “ample evidence” to support his allegations about us both being untrustworthy. He was never able to produce this evidence, instead insisting he had it - even telling all my peers, in local partner agencies, that he had identified me. He suspended me from that aspect of my duties and denied Amanda her role on the basis of us being “untrustworthy”, when the Area Fiscal informed him there were no grounds for any complaint against us.He passed the enquiry on to Professional Standards, thereafter, and they scrutinised it (the old boss, his nemesis, having been moved on, by the Div Com’s sponsor and fellow Lodge member, the Deputy Chief Constable) before they ruled I had been guilty of a “technical breach of confidentiality”, as I had discussed it with Amanda, and she “was not a serving police officer while on maternity leave.” I subsequently spoke to a senior Crown Office figure, whom I knew, to enquire about this point, and they assured me this was garbage. They suggested I request this ruling in writing. I did so and this was declined. I was told to accept my guilt and move on. Let us be clear, had they said, “yes, here” and provided evidence of such, I would have accepted it as a learning pint and moved on. However, they refused to do so. What is more, at the relevant time, my wife still had her warrant card and was merely on maternity leave, therefore she was still a serving police officer, never having been relieved of duty, suspended or required to hand back her warrant card by the Chief Constable. She was still subject to all the standard terms of duty and confidentiality.Still, the Div Com wouldn’t budge and told her, in a rather personal and heated call, which he made to her, in my presence, that she was “dirty” and he knew it. That was good enough for him. “I’m warning you, I have evidence that could destroy your careers.” he blustered. She dared him to go ahead and asked why Prof Standards had never been given it?She then made a detailed complaint against him, sixteen points, in total, against the advice of the Fed Rep. The Force investigated, interviewed us both (Professional Standards - again - only decent types this time) and she was ultimately assured, in writing, that no such evidence existed as he had alleged, that he had been found to have failed in fifteen of the sixteen points and she then received a hand typed letter, from the Head of Professional Standards, hand delivered by the new acting Divisional Commander, who shook his head, seated at my dining room table and said to me, “This is the biggest pile of pish I have ever seen in my puff! What was he thinking, the trumpet?!” The letter was five pages of outright apology - formal apology - from the head of Prof Standards, on behalf of the Chief Constable, for the manner in which she, and I, had been treated. The new Div Com said he had never ever seen a letter like that, from HQ, in all his days, but we had a new Chief and the old Div Com was being sidelined, “out of favour”. He retired shortly thereafter. A waste of oxygen and skin to the bitter end. As twisted and morally bankrupt an individual as many of those I have locked up, in my time.Finally, my wife was vindicated. I still had my “verbal warning” for my “breach of confidentiality” on my record, I was told. But when I asked for a full copy of my entire service file….. there was no mention of any such proceeding, or warning, which had been given verbally, by one of the sleazebag’s lickspittle lackeys. Go figure? I retired a couple of years later, without a single blemish on my service record.The motto of this incredibly long, interrelated and intertwining story? Don’t ever believe there are no depths to which bosses will not stoop, in an effort to shaft you, or to try and protect themselves. Or their (alleged) mistresses.Here endeth that particularly rum lesson.